Can I retire at age 52 with 10,300,000?

Use the below retirement simulation to view the chances of a successful retirement.
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $10,300,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%12%
1 years$850,564$842,988$835,596$828,381$821,336$814,455
2 years$421,071$413,229$405,629$398,260$391,113$384,177
3 years$277,926$270,050$262,469$255,169$248,138$241,363
4 years$206,367$198,515$191,010$183,835$176,974$170,412
5 years$163,443$155,638$148,232$141,203$134,533$128,203
6 years$134,836$127,090$119,793$112,921$106,451$100,362
7 years$114,411$106,730$99,549$92,839$86,573$80,727
8 years$99,099$91,488$84,425$77,880$71,821$66,217
9 years$87,196$79,656$72,715$66,337$60,484$55,121
10 years$77,679$70,213$63,395$57,183$51,535$46,411
11 years$69,898$62,507$55,812$49,766$44,322$39,432
12 years$63,418$56,103$49,532$43,652$38,408$33,748
13 years$57,939$50,700$44,253$38,538$33,493$29,057
14 years$53,247$46,085$39,762$34,210$29,360$25,143
15 years$49,184$42,100$35,900$30,509$25,851$21,847
16 years$45,633$38,626$32,548$27,317$22,847$19,050
17 years$42,503$35,573$29,618$24,544$20,258$16,661
18 years$39,723$32,871$27,037$22,120$18,012$14,609
19 years$37,239$30,464$24,751$19,987$16,055$12,838
20 years$35,006$28,309$22,715$18,102$14,340$11,304
21 years$32,989$26,369$20,894$16,429$12,833$9,969
22 years$31,157$24,614$19,257$14,937$11,503$8,805
23 years$29,487$23,021$17,780$13,604$10,326$7,786
24 years$27,959$21,569$16,444$12,407$9,281$6,893
25 years$26,555$20,242$15,230$11,331$8,351$6,108
26 years$25,261$19,024$14,125$10,361$7,523$5,418
27 years$24,065$17,904$13,116$9,483$6,782$4,809
28 years$22,956$16,871$12,193$8,689$6,120$4,271
29 years$21,926$15,916$11,347$7,968$5,526$3,796
30 years$20,966$15,031$10,569$7,312$4,993$3,375
31 years$20,070$14,209$9,854$6,716$4,514$3,002
32 years$19,232$13,444$9,194$6,172$4,083$2,672
33 years$18,446$12,732$8,584$5,676$3,696$2,378
34 years$17,708$12,067$8,020$5,222$3,346$2,118
35 years$17,013$11,446$7,499$4,807$3,030$1,887
36 years$16,359$10,863$7,015$4,427$2,746$1,681
37 years$15,741$10,318$6,566$4,079$2,489$1,498
38 years$15,158$9,806$6,148$3,760$2,256$1,336
39 years$14,605$9,324$5,760$3,467$2,046$1,191
40 years$14,082$8,871$5,399$3,198$1,856$1,062
41 years$13,585$8,445$5,063$2,950$1,684$947
42 years$13,113$8,042$4,749$2,723$1,528$845
43 years$12,665$7,663$4,456$2,513$1,386$753
44 years$12,238$7,304$4,183$2,321$1,258$672
45 years$11,831$6,965$3,928$2,143$1,142$600
46 years$11,443$6,644$3,689$1,980$1,037$535
47 years$11,073$6,341$3,466$1,829$942$477
48 years$10,719$6,053$3,257$1,690$855$426
49 years$10,380$5,780$3,061$1,562$777$380
50 years$10,056$5,522$2,878$1,444$706$339

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 52 starting with $10,300,000, adding $4,433 every year, while hoping to spend $39,442 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 49/34/17 Blend
51$10,300,000$10,300,000$10,300,000$10,300,000
52$11,355,173$10,809,273$10,649,623$11,857,556
53$12,471,434$11,296,961$10,964,419$12,692,928
54$13,700,233$11,807,224$11,288,439$13,595,470
55$15,053,005$12,341,127$11,621,950$14,575,056
56$16,542,353$12,899,784$11,965,228$15,638,939
57$18,182,165$13,484,364$12,318,554$16,795,084
58$19,987,740$14,096,093$12,682,220$18,052,240
59$21,975,941$14,736,253$13,056,526$19,420,023
60$24,165,345$15,406,188$13,441,778$20,908,999
61$26,576,427$16,107,307$13,838,294$22,530,780
62$29,231,744$16,841,087$14,246,399$24,298,133
63$32,156,156$17,609,075$14,666,427$26,225,091
64$35,377,056$18,412,891$15,098,725$28,327,085
65$38,924,629$19,254,236$15,543,644$30,621,081
66$42,832,135$20,134,888$16,001,551$33,125,741
67$47,136,229$21,056,713$16,472,819$35,861,586
68$51,877,300$22,021,668$16,957,834$38,851,193
69$57,099,855$23,031,800$17,456,992$42,119,394
70$62,852,940$24,089,257$17,970,700$45,693,510
71$69,190,599$25,196,291$18,499,378$49,603,602
72$76,172,389$26,355,258$19,043,457$53,882,746
73$83,863,939$27,568,632$19,603,379$58,567,339
74$92,337,570$28,839,003$20,179,600$63,697,437
75$101,672,974$30,169,087$20,772,590$69,317,125
76$111,957,975$31,561,730$21,382,829$75,474,925
77$123,289,348$33,019,914$22,010,814$82,224,245
78$135,773,739$34,546,767$22,657,053$89,623,876
79$149,528,667$36,145,565$23,322,071$97,738,537
80$164,683,637$37,819,744$24,006,406$106,639,479
81$181,381,359$39,572,903$24,710,612$116,405,143
82$199,779,099$41,408,817$25,435,259$127,121,896
83$220,050,160$43,331,441$26,180,932$138,884,833
84$242,385,516$45,344,921$26,948,234$151,798,660
85$266,995,621$47,453,605$27,737,782$165,978,678
86$294,112,391$49,662,048$28,550,214$181,551,852
87$323,991,392$51,975,026$29,386,184$198,658,004
88$356,914,258$54,397,546$30,246,364$217,451,113
89$393,191,341$56,934,854$31,131,446$238,100,756
90$433,164,649$59,592,454$32,042,141$260,793,699
91$477,211,071$62,376,111$32,979,180$285,735,639
92$525,745,931$65,291,872$33,943,314$313,153,133
93$579,226,916$68,346,074$34,935,315$343,295,717
94$638,158,391$71,545,361$35,955,978$376,438,249
95$703,096,162$74,896,699$37,006,118$412,883,480
96$774,652,723$78,407,389$38,086,575$452,964,897
97$853,503,036$82,085,087$39,198,211$497,049,848
98$940,390,907$85,937,817$40,341,912$545,542,992
99$1,036,136,003$89,973,994$41,518,590$598,890,095
100$1,141,641,594$94,202,438$42,729,181$657,582,214